PM Surya Ghar · Muft Bijli Yojana
₹78,000 back, and a loan that doesn't need collateral.
The central government pays part of the cost of a rooftop system, and a bank will lend you most of the rest at a rate you won't get anywhere else. Here is exactly how it works, who pays whom, and the parts nobody warns you about.
It stops climbing at 3 kW.
Paid per kilowatt, but only up to a point. Three kilowatts is the ceiling, and it stays there no matter how much bigger the system gets.
- 1 kW
- ₹30,000
- 2 kW
- ₹60,000
- 3 kW and above
- ₹78,000
The most useful line on this page: a 2 kW system gets ₹60,000, a 3 kW gets ₹78,000. Half as big again, for ₹18,000 more subsidy. It is why we almost never build below 3 kW — and why anyone quoting you a 2 kW should be explaining it.
- Amount
- Up to ₹2,00,000
- Collateral
- None
- Rate
- Around 6% p.a.
- Typical EMI after subsidy
- ≈ ₹1,350 / month
Once your subsidy lands you can put it straight into the loan. Most banks then reduce the EMI — but some shorten the tenure instead and leave the EMI where it is. Ask which one yours does before you sign, not after.
Systems of 10 kW and above work differently — different loan terms, and the residential subsidy generally doesn't apply. We'll tell you plainly where you stand rather than let you assume.
The subsidy is yours, not ours.
This is where people get confused, and where some companies take advantage of the confusion.
You pay us the full project amount at project stage. After commissioning and inspection the government credits ₹78,000 directly into your own bank account. It never passes through us.
We don't do post-dated cheque arrangements either — pay less now, hand over a cheque to be banked when the subsidy lands. They sound helpful. They tie your money and ours together for months, and they are how disputes start.
- You pay NRG
- Full amount, at project stage
- Government pays you
- ₹78,000, after commissioning
- Passes through us
- Nothing
- Typical wait
- 15–30 working days
We state 15–30 working days because that is what we have actually seen. Some are faster. We would rather you were pleasantly surprised than quietly disappointed.
Nine steps. Two of them need you.
The orange markers are ours. What we need from you: your documents, a few OTPs read out over the phone, and one visit to the bank to sign. That is the whole of your involvement.
NRG
Registration on the National Portal
We do this for you. The account has to be in the name on your KSEB bill, so we need your documents and you read us a few OTPs over the phone — that's it. You never have to work out the portal yourself.
NRG
Site survey and design
We come and look at the roof — shading, orientation, structure type, where the inverter and earthing will sit. This is when you get a real price rather than a phone estimate.
NRG
Feasibility application to KSEB
KSEB has to approve the connection before anything goes up. We file it and follow it.
You
Loan, if you want one
The one place you have to go in person. We prepare the quotation, specifications and paperwork the bank asks for; you go in and sign the application.
NRG
Installation
Structure, earthing, panels, inverter, protections, wiring. A standard 3 kW takes a few days on site once materials are in.
NRG
Net meter application
Filed as soon as the system is up, with the test report KSEB requires.
NRG
KSEB inspection and net meter
KSEB inspects, then swaps your meter for a bi-directional one so your export is counted. We're there for the inspection.
NRG
Commissioning report
Uploaded to the portal with the photographs and documents it demands. This is the step that releases your subsidy, and it is the step careless installers sit on for weeks.
Government
₹78,000 to your account
Typically 15–30 working days after the commissioning report is accepted. Straight to the bank account registered in your name.
The parts nobody warns you about.
Can I lose the subsidy after receiving it?
Yes. The scheme comes with conditions about keeping the system in place and in use. Removing it, selling it off or dismantling it within the specified period can mean the subsidy is recovered from you. It is not a gift for installing — it is support for generating, and it assumes the plant stays working.
Do I need to pay anything else?
Not to us. The only other charge is KSEB’s security charge: about ₹1,100 per kW when you apply. About ₹800 per kW of it comes back after installation, so the real cost is around ₹300 per kW — roughly ₹900 on a 3 kW.
You pay it to KSEB directly, and KSEB refunds it to your account — never through ours. That’s why it isn’t inside our price.
Will my bill become zero?
No. The energy charge goes. The fixed charge, the meter rent and whatever you draw at night before your daytime credit covers it all stay. Anyone promising a zero bill hasn't read one properly — our calculator shows you your own numbers instead.
Do I need to have the full amount ready?
You need the upfront portion plus whatever the loan doesn't cover. On a 3 kW that is around ₹40,000 against a ₹2,00,000 loan. On a 5 kW the loan is still ₹2,00,000, so the upfront is closer to ₹1,45,000 — the EMI is the same, the difference is cash at the start. Worth knowing before you set your heart on 5 kW.
What if the subsidy takes longer than 30 days?
Sometimes it does — portal queues and inspection schedules aren't in anyone's control. What is in our control is the commissioning report, which is the piece that actually holds things up, and we file it immediately. If yours is delayed beyond the normal window we chase it, and you'll hear from us rather than having to ask.
Does the subsidy depend on which company installs it?
It depends on the installer being registered under the scheme and on the paperwork being filed correctly and promptly. The amount is the same whoever builds it — which is precisely why the ₹78,000 shouldn't be the thing that decides your choice. What is on the roof is.
Is a bigger system worth it if the subsidy stops at 3 kW?
Often, yes — but for a different reason. Above 3 kW you are paying full price for each extra kilowatt, so the question stops being about subsidy and starts being about your own usage. Households almost always use more power after solar, not less. If your bill suggests you're near the top of what 3 kW covers, it's worth sizing for the house you'll have in five years.
Want to know what you'd actually get?
Put your KSEB bill into the calculator — it works out your size, your price, the subsidy and the EMI against what you pay now, and shows the arithmetic behind every number.
Open the calculator